Normative Instruction BCB No. 759 — Publishes Version 8.0 of the Open Finance Data and Services Scope Manual

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The Heads of the Department of Financial System Regulation (Denor), the Department of Supervision of Cooperatives and Non-Bank Institutions (Desuc), the Department of Banking Supervision (Desup), and the Department of Information Technology (Deinf), in the exercise of the authority conferred upon them by Article 23, item I, letter "a", of the Internal Regulations of the Central Bank of Brazil, annexed to Resolution BCB No. 340 of September 21, 2023, based on Article 3, item I, of Resolution BCB No. 32 of October 29, 2020,

R E S O L V E:

Art. 1. This Normative Instruction publishes version 8.0 of the Open Finance Data and Services Scope Manual, which is mandatory for participating institutions, as per the Annex.

Sole Paragraph. The manual referred to in the caput, in its most recent version, will be available on the Open Finance page on the Central Bank of Brazil's website and on the Open Finance Portal of Brazil, maintained by the Governance Structure for Open Finance referred to in Article 44, § 1, of Joint Resolution No. 1 of May 4, 2020.

Art. 2. Normative Instruction BCB No. 724 of April 16, 2026, published in the Official Gazette of the Union on April 22, 2026, is hereby revoked.

Art. 3. This Normative Instruction enters into force on November 3, 2026.

MARDILSON FERNANDES QUEIROZ

Head of Denor

MARCELO COLLI INGLEZ

Head of Desuc, substitute

GEORGE OHARA

Head of Desup, substitute

ANDRE BOKEL DA COSTA

Head of Deinf, substitute

ANNEX TO NORMATIVE INSTRUCTION BCB NO. 759, OF JULY 9, 2026

Open Finance Data and Services Scope Manual

Version 8.0

Summary of Changes

Date	Version	Description of Changes
9/7/2026	8.0	Inclusion of data and scope related to the credit portability service (section 8).

Terms of Use

This manual details the technical requirements for implementing the elements necessary for the operation of Open Finance, complementing the current regulation on the subject.

The manual will be reviewed and updated periodically to ensure compatibility with regulation, as well as to incorporate improvements resulting from the evolution of Open Finance and technology.

More detailed information and examples of the application of this manual can be found in the guides and tutorials available on the Open Finance Portal of Brazil, in the Developer Area.

Suggestions, criticisms, or requests for clarification of doubts regarding the content of this document may be sent to the Central Bank of Brazil through the institutional channels of this autarchy.

References

The specifications contained in this manual are based on, reference, and complement, when applicable, the following documents and elements:

I - Joint Resolution No. 1 of May 4, 2020;

II - Circular No. 4,015 of May 4, 2020;

III - Resolution BCB No. 32 of October 29, 2020;

IV - Resolution BCB No. 1 of August 12, 2020;

V - Document 3040 (Credit Risk Data);

VI - CNSP Resolution No. 415 of July 20, 2021;

VII - Susep Circular No. 635 of July 20, 2021;

VIII - Law No. 13,709 of August 14, 2018 (General Data Protection Law - LGPD);

IX - ISO 3166;

X - ISO 4217; and

XI - Open Finance Portal of Brazil.

Normative acts within the competence of the National Monetary Council or the Central Bank of Brazil can be accessed on the Central Bank of Brazil's website (www.bcb.gov.br) through the "Search for norms" option.

1. Introduction

The data and services subject to sharing represent a crucial part of Open Finance, as they will be determinants for the degree of usefulness and interest in Open Finance by society. Thus, ensuring the quality, availability, and integrity of these data and services is fundamental to building trust in Open Finance.

Joint Resolution No. 1 of May 4, 2020, establishes the obligation to share data of products and services made available by institutions to their clients, while Circular No. 4,015 of May 4, 2020, disciplines the scope of this data.

This manual was prepared to specify the minimum detailing and standardization necessary for sharing. In this sense, the fields in the tables below are related with additional information and description of attributes, when pertinent. For the implementation of Application Programming Interfaces (APIs) in accordance with the requirements of current regulation, detailed technical guidance must be made available on the Open Finance Portal of Brazil.

The data listed in this manual are mandatory for implementation, according to Circular No. 4,015 of 2020, and are translated into the technical specification according to analysis and deliberation by the Open Finance Governance Structure, and may be consolidated or expanded into multiple fields. When certain data are considered optional, according to the technical specifications of the Open Finance Governance Structure, participating institutions may only refrain from sending data for which there is impossibility due to their non-existence, with no discretion in this forwarding.

It should be noted that participating institutions in Open Finance have autonomy to decide on the sharing of data additional to those related in this manual, provided that prior client consent regarding personal data is respected and current legislation and regulation are observed. Prior client consent, for specific purposes and timeframes, is also required for the sharing of client registration and transactional data provided for in this manual.

This manual also specifies the minimum data necessary for sharing the payment transaction initiation service, and details the scope of payment modalities that must be implemented in Open Finance, according to the schedule established by the Central Bank of Brazil. Regarding data, in addition to the minimum information for payment transaction initiation, the data set out in regulations or instruments that discipline the functioning of the payment arrangement related to the respective payment transaction and other data established in the specifications available on the Open Finance Portal of Brazil must generally be provided.

For the operational aspects of Open Finance, it is necessary to consult complementary information sources, available on the Open Finance Portal of Brazil, where specifications related to the high-level view, the data dictionary (in this case, the type, format, size, and other pertinent attributes of data fields), as well as data groupings and API codes, can be found.

Finally, it is worth highlighting that fostering competition among financial institutions, payment institutions, and other institutions authorized to operate by the Central Bank of Brazil, through the comparability of shared information, is one of the objectives to be achieved with Open Finance. Thus, all information contained in this manual must be provided in accordance with the standardization established in current regulation, where applicable.

2. Data on Service Channels

In accordance with current regulation, data on service channels must cover, at a minimum, the fields listed in the tables below.

2.1 Own Dependencies

Data	Field	Additional Explanations
Identification	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the dependency.
	Institution CNPJ	Full CNPJ number of the institution responsible for the dependency.
	Dependency Name
	Dependency CNPJ
	Dependency Identifier Code
	Dependency Check Digit
	Additional Field for URL (CNPJs)	Link URL, for a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
	Dependency Type	Dependency type, according to the classification established by regulation regarding the installation, in the country, of dependencies of financial institutions and other institutions authorized to operate by the Central Bank of Brazil.
	Code of the Agency Linked to the Service Point
	Dependency Opening Date
Location	Full Address
	Complement
	Neighborhood
	Municipality
	Municipality IBGE Code	7 digits (the last is a check code).
	State Abbreviation
	ZIP Code
	Country	Country Code
		According to the "alpha3" code of ISO-3166.
	Latitude	Between -90 and 90. Numeric format, 2 digits before the comma, 11 positions.
	Longitude	Between -180 and 180. Numeric format, 3 digits before the comma, 11 positions.
Access Method	Opening Hours
	Closing Hours
	Operating Days
	Access Restriction Indicator
	Phone Type	Fixed or mobile.
	DDI
	DDD
	Phone Number
Services Provided	Names of Services Provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of Services Provided	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.2 Correspondents in the Country

Data	Field	Additional Explanations
Identification	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Titular Institution Name	Name of the institution responsible for the correspondent in the country.
	Titular Institution CNPJ	Full CNPJ number of the institution responsible for the correspondent in the country.
	Contractor Name
	Contractor CNPJ
	Correspondent in the Country Name
	Correspondent in the Country Conglomerate Name
	Correspondent in the Country CNPJ
	Subcontracting	1. no, 2. yes.
Location	Full Address
	Complement
	Neighborhood
	Municipality
	Municipality IBGE Code	7 digits (the last is a check code).
	State Abbreviation
	ZIP Code
	Country	Country Code
		According to the "alpha3" code of ISO-3166.
	Latitude	Between -90 and 90. Numeric format, 2 digits before the comma, 11 positions.
	Longitude	Between -180 and 180. Numeric format, 3 digits before the comma, 11 positions.
Access Method	Opening Hours
	Closing Hours
	Operating Days
	Access Restriction Indicator
	Phone Type	Fixed or mobile.
	DDI
	DDD
	Phone Number
Services Provided	Names of Services Provided	List of services effectively provided, detailed in Subitem 2.5.3 of this manual.
	Codes of Services Provided	Codes of services effectively provided, detailed in Subitem 2.5.3 of this manual.

2.3 Electronic Channels

Data	Field	Additional Explanations
Channel	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the electronic channel.
	Institution CNPJ
	Additional Field for URL (CNPJs)	Link URL, for a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
	Channel Type	Internet banking, mobile banking, or chat.
Access Method	Access Type	1. URL to access internet banking, 2. URL to acquire the app, 3. URL for chat, 4. others.
Services Provided	Names of Services Provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of Services Provided	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.4 Other Available Channels

2.4.1 Telephone Channels

Data	Field	Additional Explanations
Channel	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the telephone channel.
	Institution CNPJ
	Additional Field for URL (CNPJs)	Link URL, for a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
	Channel Type	Telephone center, SAC (Customer Service), and/or Ombudsman.
Access Method	DDI
	DDD
	Phone Number
	Access Type	1. telephone center, 2. SAC, 3. Ombudsman, 4. others.
Services Provided	Names of Services Provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of Services Provided	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.4.2 Shared Self-Service Terminals

At present, the implementation of an endpoint for sharing data related to third-party self-service terminals is optional.

Data	Field	Additional Explanations
Identification	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Titular Institution Name	Name of the institution responsible for the dependency.
	Titular Institution CNPJ	Full CNPJ number of the institution responsible for the dependency.
	Additional Field for URL (CNPJs)	Link URL, for a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
	Owner Name
Location	Full Address
	Complement
	Neighborhood
	Municipality
	Municipality IBGE Code	7 digits (the last is a check code).
	State Abbreviation
	ZIP Code
	Country	Country Code
		According to the "alpha3" code of ISO-3166.
	Latitude	Between -90 and 90. Numeric format, 2 digits before the comma, 11 positions.
	Longitude	Between -180 and 180. Numeric format, 3 digits before the comma, 11 positions.
Access Method	Opening Hours
	Closing Hours
	Operating Days
	Access Restriction Indicator
Services Provided	Names of Services Provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of Services Provided	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.5 Classification of Dependencies and Services Provided

2.5.1 Types of Dependencies

The types of dependencies of institutions authorized to operate by the Central Bank of Brazil, according to current regulation regarding the installation, in the country, of dependencies of financial institutions and other institutions authorized to operate by the Central Bank of Brazil, and which can be shared in Open Finance, are as follows:

I - Branch;

II - Service Point (PA);

III - Electronic Service Point (PAE); and

IV - Disaggregated Administrative Unit (UAD).

2.5.2 Types of Services Provided by Branches or Service Points

The list of services provided by branches or service points must be in accordance with that established by the regulation applicable to their disclosure in the form of open data, detailing, at a minimum, the following:

I - opening of deposit or prepaid payment accounts;

II - cash withdrawal;

III - receipts, payments of any nature;

IV - electronic transfers aimed at moving deposit or payment accounts owned by clients;

V - balance and statement inquiries for deposit and payment accounts;

VI - investments and redemptions;

VII - active and passive execution of payment orders upon request of clients and users;

VIII - cash and check deposits;

IX - credit operations, as well as other services provided for monitoring the operation;

X - credit card;

XI - insurance;

XII - leasing operations;

XIII - opening of post-paid payment accounts;

XIV - purchase and sale of foreign currency in cash;

XV - purchase and sale of checks or traveler's checks, as well as loading foreign currency onto prepaid cards;

XVI - purchase and sale of gold; and

XVII - other products or services.

The codes corresponding to the services listed must be standardized for common observance by all participating institutions.

2.5.3 Types of Services Provided by Correspondents in the Country

The customer service activities carried out by correspondents in the country, according to current regulation, are as follows:

I - reception and forwarding of proposals for opening deposit and payment accounts maintained by the contracting institution;

II - carrying out receipts, payments, and electronic transfers aimed at moving deposit and payment accounts owned by clients maintained by the contracting institution;

III - receipts and payments of any nature, and other activities resulting from the execution of contracts and agreements for service provision maintained by the contracting institution with third parties;

IV - active and passive execution of payment orders processed through the contracting institution upon request of clients and users;

V - reception and forwarding of proposals for credit and leasing operations granted by the contracting institution, as well as other services provided for monitoring the operation;

VI - receipts and payments related to exchange bills accepted by the contracting institution; and

VII - carrying out exchange operations that are the responsibility of the contracting institution.

The codes corresponding to the services listed must be standardized for common observance by all participating institutions.

3. Data on Products and Services Available for Contracting

3.1 Demand Deposit, Savings, and Prepaid Payment Accounts

Data	Field	Additional Explanations
Identification	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the account.
	Institution CNPJ
	Additional Field for URL (CNPJs)	Link URL, for a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
	Account Type	Demand deposit account, savings deposit account, or prepaid payment account, in accordance with current regulation.
	Fees Charged for Ad Hoc Services	Denomination
		List of services subject to fee charges, according to current regulation.
		Acronyms
		According to current regulation.
		Billing Triggers
		According to current regulation.
		Currency
		According to ISO 4217.
		Value
		Relative frequency distribution of values regarding fee charges for the provision of priority services, services within the Pix payment arrangement, and the payment transaction initiation service, reported in accordance with Resolution BCB No. 32 of 2020.
	Service Packages	Service Package Name
		According to current regulation.
		Names of Included Services
		According to current regulation.
		Billing Triggers
		According to current regulation.
		Currency
		According to ISO 4217.
		Events Foreseen in the Service Package	Monthly Quantity.
		Currency
		According to ISO 4217.
		Monthly Fee
		Relative frequency distribution of values regarding fee charges, in accordance with Resolution BCB No. 32 of 2020.
	Movement Methods	Movement Methods
		1. electronic movement, 2. movement with check, 3. movement with card, 4. in-person movement.
	Contractual Terms and Conditions	Minimum Balance (Currency)
		According to ISO 4217.
		Minimum Balance (Value)	Open field.
		Eligibility Criteria	Open field.
		Closure Procedures	Open field (possibility to include URL).
		Channels Available for Opening and Closure	List of Channels
		1. own dependencies, 2. correspondents in the country, 3. internet banking, 4. mobile banking, 5. telephone channels, 6. chat, 7. others.
	Target Audience	List of Target Audiences
		1. natural person, 2. legal entity, 3. both.
	Remuneration Form and Yield Rate	Description of Remuneration Form
		Information according to current regulation.
		Percentage in Favor of the Prepaid Payment Account Holder	Open field.

3.2 Post-Paid Payment Accounts

Data	Field	Additional Explanations
Identification	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the account.
	Institution CNPJ
	Additional Field for URL (CNPJs)	Link URL, for a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
	Denomination	Identification of the name of the post-paid payment account (card).
	Classification	Category assigned to the payment card, under a certain denomination, which adds a set of benefits to it, differentiating it according to the client's profile.
	Payment Arrangement	Issuer of the payment arrangement.
	Benefits and Rewards Program	Benefits or Rewards Program
		1. no, 2. yes.
	Program Terms and Conditions	Open field (possibility to include URL).
	Fees	Denomination
		According to current regulation.
		Acronyms
		According to current regulation.
		Billing Triggers
		According to current regulation.
		Currency
		According to ISO 4217.
		Value
		Relative frequency distribution of values regarding fee charges for the provision of priority services related to credit cards, reported in accordance with Resolution BCB No. 32 of 2020.
	Remuneration Rates	Revolving Credit (Currency)
		According to ISO 4217.
		Revolving Credit (Value)
		Relative frequency distribution of values regarding revolving credit in accordance with Resolution BCB No. 32 of 2020.
		Installment of Invoice Debtor Balance (Currency)
		According to ISO 4217.
		Installment of Invoice Debtor Balance
		Relative frequency distribution of values regarding revolving credit in accordance with Resolution BCB No. 32 of 2020.
		Other Credit Operations	1. withdrawal in credit function, 2. bill payment, 3. others.
		Currency
		According to ISO 4217.
	Target Audience	List of Target Audiences
		1. natural person, 2. legal entity, 3. both.
	Contractual Terms and Conditions	Minimum Payment Rule for Invoice Debtor Balance
		Percentage of the invoice debtor balance value.
		Eligibility Criteria	Open field (possibility to include URL).
		Closure Procedures	Open field (possibility to include URL).

3.3 Credit Operations

3.3.1 Advances to Depositors

Data	Field	Additional Explanations
Identification	Brand	Brand name reported by the Open Finance participant.
		The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to

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